4020 Malloy St · Little Rock, AR 72204

$80,000

3 bd · 1.0 ba · 852 sqft · SingleFamily public records · 249 Days on market

Built 1957 6,534 sqft lot $94/sqft · 26% above area Est $64k · 24% over

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.4/10.0
• Rent growth +3.7/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Get in the investment game with this really nice 3-bedroom beauty on a large lot. Note the hardwood floors, granite countertops and lvt flooring. Currently tenant occupied on a lease until 06-30-2026. Rent is $947 per month. All showings are by appointment only. Showings on Monday-Friday 8:30-4:30 with a 24-hour notice. No Seller Property Disclosure available. Other investment properties include: 3709 W. 12th, 4101 W. 13th, 4512 W. 16th, 2123 Bragg, 2703 Madison and 8920 W. 37th. NOTE! Seller wants to sell the properties as a package and is ready to make a good deal for the savvy investor. Wholesale interest is welcome. See agent remarks

Key facts

• Large lot
• Granite countertops
• Lvt flooring

Tags

• HARDWOOD FLOORS
• GRANITE COUNTERTOPS
• LVT FLOORING
• LARGE LOT
• DETACHED

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $325 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.2% vs local median 4.1% in Little Rock — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 73/100 on livability (#22 in AR) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F.
• Little Rock School District (urban): math 23% / reading 26% proficiency, ranked #183 of 238 in AR (top 77%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+4.9%/yr); 186 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 74% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,006 units permitted in Pulaski County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Pulaski County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 4.9% rent growth), your $22k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 249 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 11y ago; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 249 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.34% ✓
• Cap rate: 11.17%
• Cash-on-cash: 17.41%
• DSCR: 1.77
• GRM: 6.2

CMA / ARV

• ARV (median comp): $64,260
• List price: $80,000
• Delta: 24.49%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4007 Ludwig St	0.08mi	3/1.0	876 (+3%)	2mo	$65,000	$74	89
3616 Boyd St	0.40mi	3/1.0	864 (+1%)	12mo	$83,500	$97	68
4001 Cobb St	0.40mi	2/1.0 (-1)	832 (-2%)	5mo	$47,500	$57	68
4105 Zion St	0.46mi	2/1.0 (-1)	918 (+8%)	3mo	$29,000	$32	58
3820 Holt St	0.17mi	2/1.0 (-1)	968 (+14%)	15mo	$105,000	$108	52
8200 W 34th St	0.65mi	2/1.0 (-1)	780 (-8%)	1mo	$76,000	$97	50
3221 Holt St	0.50mi	2/1.0 (-1)	900 (+6%)	19mo	$83,500	$93	46
3223 Walker St	0.71mi	3/2.0	776 (-9%)	4mo	$40,000	$52	45
3514 Zion St	0.54mi	3/1.0	925 (+9%)	21mo	$95,900	$104	43
3903 Stonehedge Dr	0.42mi	2/1.5 (-1)	958 (+12%)	13mo	$126,000	$132	42
8100 W 34th St	0.70mi	2/1.0 (-1)	900 (+6%)	15mo	$50,000	$56	40
2910 Elam St	0.70mi	2/1.0 (-1)	794 (-7%)	19mo	$74,900	$94	35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.91% rent growth · sell at horizon

5-year hold

• IRR: 10.8%
• Equity multiple: 1.44×
• Total profit: $9,820
• Equity at exit: $11,928

10-year hold

• IRR: 21.3%
• Equity multiple: 2.97×
• Total profit: $44,119
• Equity at exit: $6,917

Cash invested: $22,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 92 Strongly Landlord-Friendly
• State Arkansas: 92 Strongly Landlord-Friendly · R+14
• County: — inherits STATE
• City: — inherits STATE

Only US state where non-payment is criminal. Strongly landlord-favorable; very few tenant protections.

Methodology + full state rankings →

ZIP-level market 72204

• Home prices YoY: -21.5%
• Rents YoY: 4.9%
• Active inventory: 186
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,070 high
• Mortgage (P&I): −$420
• Tax from tax record: −$67 /mo · $807/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$225
• Net cashflow: $325

Break-even live

Break-even rent $658

Max offer price $80,000

Occupancy floor 65%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9024 W 37th St Little Rock, AR	2.0	1.0	800	$1,075	$1.34	23d	1	0.21mi
3219 Holt St Little Rock, AR	2.0	2.0	816	$950	$1.16	43d	1	0.47mi
3324 Tatum St Little Rock, AR	2.0	1.0	800	$795	$0.99	43d	1	0.48mi
3219 Potter St Little Rock, AR	3.0	1.0	976	$895	$0.92	43d	1	0.81mi
8 Utica Ln Little Rock, AR	3.0	1.5	1006	$850	$0.84	43d	1	0.93mi
8901 Tanya Dr Little Rock, AR	2.0	1.0	784	$850	$1.08	23d	1	1.03mi
9012 Tanya Dr Little Rock, AR	2.0	1.5	1036	$1,045	$1.01	23d	1	1.05mi
8900 Tanya Dr Unit A Little Rock, AR	2.0	1.0	814	$750	$0.92	43d	1	1.06mi
8906 Morris Manor Dr Apt 6 Little Rock, AR	2.0	1.5	864	$825	$0.95	23d	1	1.12mi
8906 Morris Manor Dr Little Rock, AR	2.0	1.5	846	$850	$1.00	14d	1	1.12mi
2412 Vancouver Dr Little Rock, AR	3.0	1.5	1104	$1,200	$1.09	43d	1	1.19mi
2011 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.35mi
2009 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.35mi
2007 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.35mi
2005 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.35mi
2003 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.35mi
2017 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.35mi
2015 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.35mi
1801 Labette Manor Dr Unit 7 Little Rock, AR	3.0	1.5	991	$995	$1.00	43d	1	1.36mi
1801 Labette Manor Dr Unit 1 Little Rock, AR	3.0	1.5	1000	$995	$0.99	14d	1	1.36mi
2001 Scotty Ct Little Rock, AR	2.0	1.0	850	$995	$1.17	43d	1	1.36mi
10101 W 20th St Unit B Little Rock, AR	3.0	2.0	1104	$1,395	$1.26	43d	1	1.42mi
3510 S Bryant St Unit 50 Little Rock, AR	2.0	1.0	807	$995	$1.23	43d	1	1.42mi

Listing history 32 events

1. 2026-06-18
   days on market $80,000 Active 249 DOM
2. 2026-06-17
   days on market $80,000 Active 248 DOM
3. 2026-06-16
   days on market $80,000 Active 247 DOM
4. 2026-06-15
   days on market $80,000 Active 246 DOM
5. 2026-06-14
   days on market $80,000 Active 244 DOM
6. 2026-06-13
   days on market $80,000 Active 243 DOM
7. 2026-06-10
   days on market $80,000 Active 241 DOM
8. 2026-06-09
   days on market $80,000 Active 240 DOM
9. 2026-06-08
   days on market $80,000 Active 239 DOM
10. 2026-06-05
    days on market $80,000 Active 235 DOM
11. 2026-06-03
    days on market $80,000 Active 234 DOM
12. 2026-06-02
    days on market $80,000 Active 233 DOM
13. 2026-06-01
    days on market $80,000 Active 232 DOM
14. 2026-05-31
    days on market $80,000 Active 231 DOM
15. 2026-05-31
    days on market $80,000 Active 230 DOM
16. 2026-05-12
    price $80,000 645-char remark

    Show marketing remark (645 chars)

    Get in the investment game with this really nice 3-bedroom beauty on a large lot. Note the hardwood floors, granite countertops and lvt flooring. Currently tenant occupied on a lease until 06-30-2026. Rent is $947 per month. All showings are by appointment only. Showings on Monday-Friday 8:30-4:30 with a 24-hour notice. No Seller Property Disclosure available. Other investment properties include: 3709 W. 12th, 4101 W. 13th, 4512 W. 16th, 2123 Bragg, 2703 Madison and 8920 W. 37th. NOTE! Seller wants to sell the properties as a package and is ready to make a good deal for the savvy investor. Wholesale interest is welcome. See agent remarks

17. 2026-04-30
    status Back on Market 645-char remark

    Show marketing remark (645 chars)

    Get in the investment game with this really nice 3-bedroom beauty on a large lot. Note the hardwood floors, granite countertops and lvt flooring. Currently tenant occupied on a lease until 06-30-2026. Rent is $947 per month. All showings are by appointment only. Showings on Monday-Friday 8:30-4:30 with a 24-hour notice. No Seller Property Disclosure available. Other investment properties include: 3709 W. 12th, 4101 W. 13th, 4512 W. 16th, 2123 Bragg, 2703 Madison and 8920 W. 37th. NOTE! Seller wants to sell the properties as a package and is ready to make a good deal for the savvy investor. Wholesale interest is welcome. See agent remarks

18. 2026-04-29
    historical 645-char remark

    Show marketing remark (645 chars)

    Get in the investment game with this really nice 3-bedroom beauty on a large lot. Note the hardwood floors, granite countertops and lvt flooring. Currently tenant occupied on a lease until 06-30-2026. Rent is $947 per month. All showings are by appointment only. Showings on Monday-Friday 8:30-4:30 with a 24-hour notice. No Seller Property Disclosure available. Other investment properties include: 3709 W. 12th, 4101 W. 13th, 4512 W. 16th, 2123 Bragg, 2703 Madison and 8920 W. 37th. NOTE! Seller wants to sell the properties as a package and is ready to make a good deal for the savvy investor. Wholesale interest is welcome. See agent remarks

19. 2025-10-10
    listed $85,000 New Listing 645-char remark

    Show marketing remark (645 chars)

    Get in the investment game with this really nice 3-bedroom beauty on a large lot. Note the hardwood floors, granite countertops and lvt flooring. Currently tenant occupied on a lease until 06-30-2026. Rent is $947 per month. All showings are by appointment only. Showings on Monday-Friday 8:30-4:30 with a 24-hour notice. No Seller Property Disclosure available. Other investment properties include: 3709 W. 12th, 4101 W. 13th, 4512 W. 16th, 2123 Bragg, 2703 Madison and 8920 W. 37th. NOTE! Seller wants to sell the properties as a package and is ready to make a good deal for the savvy investor. Wholesale interest is welcome. See agent remarks

20. 2024-10-14
    historical
21. 2024-09-06
    listed $125,000 New Listing
22. 2024-07-06
    historical $895
23. 2024-06-26
    listed $895
24. 2022-02-14
    soldstatus $74,500
25. 2022-02-08
    soldstatus $74,500 Sold
26. 2022-01-07
    status Under Contract
27. 2022-01-05
    price $79,900
28. 2021-09-22
    listed $85,000 New Listing
29. 2015-10-07
    soldstatus $8,500 Sold
30. 2015-09-17
    status Under Contract
31. 2015-08-25
    price $11,900
32. 2015-07-14
    listed $14,000 New Listing

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast AR · Resets to sale price

• Current annual tax: $807 · $67/mo
• Projected year-2 tax: $807 · $67/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,835
• − Mortgage interest: −$4,481
• − Property taxes: −$807
• − Insurance: −$400
• − Repairs & maintenance: −$1,027
• − Management: −$1,027
• − Depreciation: −$2,327
• Taxable income: $2,766
• Est. tax owed @ 24.0%: −$664
• After-tax cash flow: $3,235/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Little Rock School District
• NCES district ID: 0509000
• Math proficiency: 23% ▼ -12.00%
• Reading proficiency: 26% ▼ -8.00%
• Median HH income: $43,346
• Composite: 21.0/100
• National rank: #8457
• State rank: #183 of 238 in AR

Livability — Little Rock

• Score: 73/100
• State rank: #22
• US rank: #5295

Category grades

Amenities C+ Commute A+ Cost of living A+ Crime F Employment C Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Little Rock, AR
• County: Pulaski County · 372,764 people
• City population: 218,896
• Metro: Little Rock-North Little Rock-Conway, AR
• Population (ZIP): 30,525
• Household income: $40,882
• Rent vs Own: 41.5% rent · 58.5% own
• Severe rent burden: 1553.0

Population outlook (Pulaski County) Hauer SSP2

• Today (2025): 415,378 people
• By 2030: 423,720 · +2.0%
• By 2040: 435,182 · +4.8%
• By 2050: 440,904 · +6.1%
• By 2075: 445,521 · +7.3%
• By 2100: 419,173 · +0.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (66%)
• Race & ethnicity: Black 66% White 18% Hispanic / Latino 12% Two or more races 6%
• Hispanic origin (detail): Mexican 9%
• Common ancestry: Slovak 1%
• Foreign-born: 7% · Canada, Vietnam
• Languages at home: 89% English-only · Spanish 9% Vietnamese 1%

Political lean MEDSL · Pulaski

• 2024 margin: Strong D (+22.1) · D 59.8% · R 37.7% · Other 2.5%
• 2008→2024 swing: +10.6pp toward D · 2008: 11.6pp · 2024: 22.1pp
• All cycles: 2024: D+22.1 2020: D+22.5 2016: D+17.9 2012: D+11.4 2008: D+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -47.17%
• Current HPI: 172.3977
• Rent YoY: ▲ 4.91%
• Metro: Little Rock-North Little Rock-Conway, AR
• State GDP YoY: ▲ 3.80%
• F500 in state: 10

Industry mix (Fortune 500 HQ in AR)

Industry	F500 HQs	Revenue
▸Retail	1	$681B
▸Food / Agriculture	1	$53B
▸Retail / Energy	1	$22B
▸Transportation / Logistics	1	$12B
▸Energy	1	$4B

Price history

+471.4% since first listed

17 events — show timeline

• 2026-05-12 Price Changed $80,000 CARMLS
• 2026-04-30 Relisted — CARMLS
• 2026-04-29 Listing Removed — CARMLS
• 2025-10-10 Listed $85,000 CARMLS
• 2024-10-14 Listing Removed — CARMLS
• 2024-09-06 Listed $125,000 CARMLS
• 2024-07-06 Rental Removed $895 CARMLS
• 2024-06-26 Listed for Rent $895 CARMLS
• 2022-02-14 Sold (Public Records) $74,500 Public Records
• 2022-02-08 Sold (MLS) $74,500 CARMLS
• 2022-01-07 Pending — CARMLS
• 2022-01-05 Price Changed $79,900 CARMLS
• 2021-09-22 Listed $85,000 CARMLS
• 2015-10-07 Sold (MLS) $8,500 CARMLS
• 2015-09-17 Pending — CARMLS
• 2015-08-25 Price Changed $11,900 CARMLS
• 2015-07-14 Listed $14,000 CARMLS

Property tax history

+8.4%/yr

Latest (2025): $807 · +32.7% YoY. Source: county tax records.